----Look at their fee structure (http://www.netbank.com/investments_moneymarket.htm). If you have a balance less than $250, they charge a $5 fee per month and they charge $10 per action if you make more than 6 withdrawals or use more than 3 checks in any monthly cycle.

That's because it's a Money Market account and they don't want you to use it as a checking account. But we are talking about using it for an e-fund, not something you make a lot of transactions in.